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Not taking an action

August 6th, 2018 at 07:09 am

It occurred to me that I might be able to save a little on a couple of ongoing prescriptions if I used a different pharmacy. I was even willing to consider getting them by mail, as long as I could still get emergency prescriptions filled locally.

So I spent some time on the Blue Cross website this morning. Based on today's pricing, the most I would save is $1 per 90-day prescription by going with the mail option. I also wouldn't save money by switching to Walmart, Sam's Club, CVS, Walgreens, or the pharmacies inside supermarkets.

The extra $8 a year I'm paying for the convenience of using the Rite Aid on the corner is worth it to me. Besides the location, I don't have to worry about the prescriptions getting delayed in the mail or being exposed to super hot or cold weather while sitting in our mailbox a long time. So I'm going to sit tight on this.

6 Responses to “Not taking an action”

  1. AnotherReader Says:

    Are you paying cash or an insurance copay? Get the cash price from several pharmacies to see if it's less than the copay. Also, check out the discount cards, such as Goodrx. They can be less expensive as well.

  2. snafu Says:

    My 1st question to the pharmacy is 'what is your dispensing fee.' Follow up questions are the cost ofthe specific pills and whether there are any savings of 30 day, 60 da, 90 day RX fills for repetitive meds. Before I ask to refill a regular RX or a new perscrition, I ask if they have it on hand. All too often they are awaiting an order since 'just in time' product saves money on inventory. For example, Costco's fee is $ 2.50 per RX. Our largest pharmacy, [only meds] charge a dispensing fee $ 12. Do you think it's important to have brand name or are you satisfied with 'generic?' Some insurance will only pay generic rate. It's also important to verif y you are getting the correct strength. One system gives you two 6 mg pills for a 12 mg. dosage. You need to take 2 pills each day. Lots to discuss and understand in pharmacy

  3. StressLess Says:

    Snafu, I'm already taking 90-day generics for these two maintenance prescriptions. One has ranged from $3.59 to $12.45 in 2017 and 2018, and the other one has ranged from $8.88 to $21.45. So we're not talking about a huge cost. This is using my insurance; these are the co-pays. I think it has to do with where I am with our deductibles at the time?

    AnotherReader, you raise a good point about co-pay vs. cash purchase and using discount programs.

    I just found out that Rite Aid has their own discount program; it would have been nice if the last time I refilled the more expensive one, they had mentioned it to me. It would have come to $15.99 instead of $21.25 one time.

    It looks like the best bet might be Shoprite. Both of my prescriptions are on their discounted generics list and would be $9.99 for a 90-day supply.

    It's impossible to tell what the price is going to be the when I get a refill at Rite Aid. So even if I didn't save a lot going through Shoprite, at least I'd know it was going to be $9.99 each time, and there's value in that. I do think I'd save, though. My refills so far this year are averaging $13.93. So the savings by doing this would be closer to $32. As far as I know, Shoprite also does free antibiotics, so that could save something down the line.

    The only problem I can see is that by not going through the insurance, the cost won't count toward our deductible. That could make something else later in the year end up costing more. It's really a cr*pshoot, and I still don't know whether it's worth the effort to make the change.

  4. rob62521 Says:

    Sometimes convenience and working with people you like makes it worth the little bit more you have to pay. We use the Walgreens by our house. It is convenient and the people there know us. We could probably save a couple of bucks going to Wal-Mart, but honestly, I don't care for what I call the Evil Empire and it is a lot farther from my house.

  5. LuckyRobin Says:

    We use our closest Walgreens. It is open 24 hours. It is the only one in town that is. After a few ER night time trips it is good to have a pharmacy that is open all the time. They also have a discount prescription program that is pretty good, especially on generics.

  6. StressLess Says:

    Thanks rob62521 and Lucky Robin. You made me check into Walgreens generic program. I guess the best program for an individual is what drugs are covered by each program, at what price. Walgreens uses a tier system so some of the generics cost most than others. Unfortunately, the two I'm on are in tiers 2 and 3, so for me Shoprite is still the best deal. But it's always best to know for sure.

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